Call reports 2001
ROXBURY BANK — 2001
What ROXBURY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 18,927,000 | 19,167,000 | 18,841,000 | 17,906,000 |
| Total loans | 14,487,000 | 13,169,000 | 12,863,000 | 12,835,000 |
| Allowance for loan losses | 392,000 | 337,000 | 356,000 | 357,000 |
| Securities available for sale | 2,646,000 | 2,635,000 | 3,465,000 | 3,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,912,000 | 17,175,000 | 16,821,000 | 15,895,000 |
| Interest-bearing deposits | 15,738,000 | 16,080,000 | 15,503,000 | 14,593,000 |
| Noninterest-bearing deposits | 1,174,000 | 1,095,000 | 1,319,000 | 1,302,000 |
| Equity capital | 1,774,000 | 1,762,000 | 1,776,000 | 1,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 849,000 | 1,217,000 | 1,531,000 |
| Interest expense | 226,000 | 451,000 | 662,000 | 840,000 |
| Net interest income | 228,000 | 398,000 | 555,000 | 691,000 |
| Noninterest income | 12,000 | 77,000 | 92,000 | 103,000 |
| Noninterest expense | 210,000 | 423,000 | 609,000 | 845,000 |
| Provision for loan losses | 365,000 | 410,000 | 410,000 | 410,000 |
| Pretax income | -330,000 | -331,000 | -342,000 | -431,000 |
| Income tax | 0 | 0 | 0 | -123,000 |
| Net income | -330,000 | -331,000 | -342,000 | -308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,748,000 | 1,747,000 | 1,736,000 | 1,771,000 |
| Total capital | 1,927,000 | 1,916,000 | 1,902,000 | 1,936,000 |
| Risk-weighted assets | 14,145,000 | 13,332,000 | 13,086,000 | 12,972,000 |